in ulip products the investment risk in the investment ... · insurance products completely or...

THE LINKED INSURANCE PRODUCTS DO NOT OFFER ANY LIQUIDITY DURING THE FIRST FIVE YEARS OF THE CONTRACT. THE POLICYHOLDER WILL NOT BEABLE TO SURRENDER/WITHDRAW THE MONIES INVESTED IN LINKED. INSURANCE PRODUCTS COMPLETELY OR PARTIALLY TILL THE END OF THE FIFTH YEAR

March, 2015

THE LINKED INSURANCE PRODUCTS DO NOT OFFER ANY LIQUIDITY DURING THE FIRST FIVE YEARS OF THE CONTRACT. THE POLICYHOLDER WILL NOT BE ABLE TO SURRENDER/WITHDRAW THE MONIES INVESTED IN LINKED INSURANCE PRODUCTS COMPLETELY OR PARTIALLY TILL THE END OF THE FIFTH YEAR.

IN ULIP PRODUCTS THE INVESTMENT RISK IN THE INVESTMENT PORTFOLIO SHALL BE BORNE BY THE POLICYHOLDER.

Aviva Investor

9.23% GOI 2043 14.32

8.40% GOI 2024 8.44

8.83% GOI 2023 6.10

8.97% GOI 2030 5.35

8.28% GOI 2027 3.62

9.20% GOI 2030 1.56

8.33% GOI 2036 1.46

9.39% Andhra Pradesh SDL 2023 1.20

8.30% GOI 2040 0.88

8.85% Tamil Nadu State Development Ltd. 2022 0.73

Total 43.66

GOVERNMENT 43.66

CORPORATE B 41.54 LIC Housing Finance Ltd. 6.77

MONEY MARKE 14.8 Mahindra & Mahindra Ltd. 6.12

Power Finance Corporation Ltd. 5.51

Reliance Gas Transportation Infrastructure Ltd. 5.34

Power Grid Corporation of India Ltd. 4.98

Tata Sons Ltd. 3.98

HDFC Ltd. 2.73

IndusInd Bank Ltd. 2.10

Rural Electrification Corporation 2.03

Bajaj Finance Ltd. 1.42As on March 31, 2015 NABARD 0.56

Absolute Return Total 41.54

Portfolio return 9.0% 9.6% 10.6% 15.4%Benchmark** 7.2% 8.6% 9.3% 14.6%

Note: Past returns are not indicative of future performance.

* Money Market includes Liquid Schemes of Mutual Funds & Bank Deposit

Group Superannuation, Gratuity and Leave Encashment

CAGR Return

March 2015

PENSION DEBT FUNDPortfolio as on March 31, 2015

The investment objective of the debt fund is to provide progressive capitalgrowth with relatively lower investment risks.

Sovereign

Sovereign

AAA

Sovereign

Sovereign

Sovereign

Sovereign

Sovereign

Sovereign

Since inceptionLast 5 years

Last 3 years

Last 1 year

**Benchmark is Crisil Composite Bond Index Adjusted for fund management charges.

Sovereign

Sovereign

AAA

AAA

AA+

AAA

AAA

AAA

AAA

AAA

AA+

AAA

Asset Allocation Pattern

Asset Mix

Portfolio Return

Security Net Asset % RatingULGF00310/03/2006GROUPDEBTF122

The risk profile for this fund is Low

• Debt Securities 60%‐100%• Money Market Instruments & Cash 0%‐40%

GOVERNMENT SECURITIES

CORPORATE BONDS

CASH AND MONEY MARKETS* 14.80%

PORTFOLIO TOTAL 100.00%

NAV MovementInception Date - March 10,2006

8

13

18

23

Mar‐0

6

Feb‐0

7

De

c‐0

7

No

v‐0

8

Oct‐0

9

Sep‐1

0

Au

g‐1

1

Jun‐1

2

May‐1

3

Ap

r‐1

4

Mar‐1

5

NAV MOVEMENT SINCE INCEPTION

Aviva Investor

Auto & Auto Ancillaries 2.15

Tata Motors Ltd. 0.73

Hero MotoCorp Ltd. 0.46

Mahindra & Mahindra Ltd. 0.34

Bajaj Auto Ltd. 0.26

Maruti Suzuki India Ltd. 0.26

Ceat Ltd. 0.10

Banks 3.48 HDFC Bank Ltd. 0.96

ICICI Bank Ltd. 0.90

Axis Bank Ltd. 0.55

State Bank of India 0.41

EQUITIES 18.67 Yes Bank Ltd. 0.18

GOVERNMENT 46.42 Bank of Baroda 0.15

CORPORATE B 27.31 Federal Bank Ltd. 0.14

MONEY MARKE 7.6 Oriental Bank of Commerce Ltd. 0.11

Punjab National Bank 0.08

Chemicals 0.34

Asian Paints Ltd. 0.34

Construction and Infrastructure 0.48

IRB Infrastructure Developers Ltd. 0.13

Supreme Infrastructure India Ltd. 0.13

GMR Infrastructure Ltd. 0.12As on March 31, 2015 JaiPrakash Associates Ltd. 0.08

Absolute Return

NCC Ltd. 0.02

Construction materials 0.48

Ultratech Cement Ltd. 0.39

Portfolio return 9.2% 10.3% 12.5% 17.8% ACC Ltd. 0.05

Benchmark** 8.1% 9.1% 10.8% 16.8% Ambuja Cements Ltd. 0.04

Consumer Durables and Electronics 0.08

Note: Past returns are not indicative of future performance. Titan Company Ltd. 0.08

Engineering and Capital Goods 1.06

Larsen & Toubro Ltd. 0.92

Engineers India Ltd. 0.14

**Benchmark return has been computed by applying benchmark weightages on CRISIL Composite Bond Fund Index and CNX NIFTY INDEX


CAGR Return

March 2015

PENSION SECURE FUNDPortfolio as on March 31, 2015

To provide progressive return on the investment.


Last 3 years

Last 1 year


Asset Mix

Portfolio Return

Security Net Asset % RatingULGF00113/07/2005GROUPSECUR122


• Debt Securities 40%‐100%• Equity 0%‐20%• Money Market Instruments & Cash 0%‐40%

EQUITIES

FI 0.13

IDFC Ltd. 0.13

FMCG 1.33

ITC Ltd. 1.07

Hindustan Unilever Ltd. 0.26

HFC 1.18

HDFC Ltd. 1.13

LIC Housing Finance Ltd. 0.05

Media and Entertainment 0.20

Jagran Prakashan Ltd. 0.11

Zee Entertainment Enterprises Ltd. 0.09

Mining and Minerals 0.43

Coal India Ltd. 0.22

Sesa Sterlite Ltd. 0.09

National Mineral Development Corporation Ltd. 0.08

MOIL Ltd. 0.04

Non Ferrous metals 0.10

Hindalco Industries Ltd. 0.10

Petroleum, Gas and petrochemical products 1.73

Reliance Industries Ltd. 0.81

Oil and Natural Gas Corporation Ltd. 0.31

Gail (India) Ltd. 0.18

Hindustan Petroleum Corporation Ltd. 0.17

Gulf Oil Lubricants India Ltd. 0.15

Oil India Ltd. 0.08

Cairn India Ltd. 0.02

Bharat Petroleum Corporation Ltd. 0.01

Pharmaceuticals & Biotechnology 1.53

To be continued........

NAV MovementInception Date - July 13,2005

8

13

18

23

Jul‐0

5

Jul‐0

6

Jun‐0

7

Jun‐0

8

May‐0

9

May‐1

0

May‐1

1

Ap

r‐1

2

Ap

r‐1

3

Mar‐1

4

Mar‐1

5


Aviva Investor

Sun Pharmaceuticals Industries Ltd. 0.40

Lupin Ltd. 0.33

Dr Reddys Laboratories Ltd. 0.27

Cipla Ltd. 0.21

IPCA Laboratories Ltd. 0.14

Cadila Healthcare Ltd. 0.09

Glenmark Pharmaceuticals Ltd. 0.09

Power & Control equipment Manufacturer 0.24

Crompton Greaves Ltd. 0.12

BGR Energy Systems Ltd. 0.08

Bharat Heavy Electricals Ltd. 0.04

Power Generation 0.10

NTPC Ltd. 0.10

Power Transmission 0.13


Realty 0.11

Oberoi Realty Ltd 0.11

Software and Consultancy Services 2.72

Infosys Ltd. 1.29

Tata Consultancy Services Ltd. 0.91

HCL Technologies Ltd. 0.31

Tech Mahindra Ltd. 0.21

Steel and Ferrous Metal 0.16

Tata Steel Ltd. 0.16

Telecom Services 0.26

Bharti Airtel Ltd. 0.26

Utilities ‐ Gas, Power 0.25

Indraprastha Gas Ltd. 0.16

Tata Power Co. Ltd. 0.09

Total 18.67

9.20% GOI 2030 12.40

8.83% GOI 2041 7.20

8.20% GOI 2025 5.51

8 40% GOI 2024 5 14

March 2015

PENSION SECURE FUNDGroup Superannuation, Gratuity and Leave Encashment

Sovereign

Sovereign

Sovereign

Sovereign

Security Net Asset % Rating

ULGF00113/07/2005GROUPSECUR122

EQUITIES


8.40% GOI 2024 5.14

9.23% GOI 2043 4.55

8.28% GOI 2032 3.71

8.12% GOI 2020 2.95

8.28% GOI 2027 2.61

8.24% GOI 2027 1.27

8.97% GOI 2030 1.08

Total 46.42

HDFC Ltd. 5.07

Tata Sons Ltd. 4.14






Bajaj Finance Ltd. 2.01

NABARD 0.99

NTPC Ltd. 0.01

Total 27.31


AAA

Sovereign

Sovereign

Sovereign

Sovereign

Sovereign

Sovereign

Sovereign

AAA

AAA

AAA

AAA

AAA

AAA

AA

AA+

AAA

CORPORATE BONDS




Aviva Investor







Ceat Ltd. 0.11

Banks 7.07 HDFC Bank Ltd. 2.27


Axis Bank Ltd. 1.14


EQUITIES 35.65 Yes Bank Ltd. 0.19

GOVERNMENT 23.85 Bank of Baroda 0.16

CORPORATE B 35.05 Punjab National Bank 0.12

MONEY MARKE 5.45 Oriental Bank of Commerce Ltd. 0.10

Indian Bank 0.07

Chemicals 0.43




IVRCL Ltd. 0.14

Unity Infraprojects Ltd. 0.14As on March 31, 2015 JaiPrakash Associates Ltd. 0.11

Absolute Return

GMR Infrastructure Ltd. 0.09

NCC Ltd. 0.08


Portfolio return 9.0% 9.2% 12.4% 20.8% Ultratech Cement Ltd. 0.26

Benchmark** 9.0% 9.5% 12.2% 18.9% ACC Ltd. 0.24

Ambuja Cements Ltd. 0.24

Note: Past returns are not indicative of future performance. Consumer Durables and Electronics 0.13

Titan Company Ltd. 0.13

Electronics & Electrical Equipments 0.12

Bharat Electronics Ltd. 0.12



CAGR Return

March 2015

PENSION BALANCED FUNDPortfolio as on March 31, 2015

To provide capital growth by availing opportunities in debt and equitymarkets and providing a good balance between risk and return.


Last 3 years

Last 1 year


Asset Mix

Portfolio Return

Security Net Asset % RatingULGF00210/03/2006GROUPBALAN122

The risk profile for this fund is Medium


EQUITIES




Fertilizers, Pesticides & Agrochemicals 0.14

UPL Ltd. 0.14

FI 0.45

IDFC Ltd. 0.25



FMCG 2.10 ITC Ltd. 1.77


HFC 2.49

HDFC Ltd. 2.38


Media and Entertainment 0.53


Jagran Prakashan Ltd. 0.25













7

12

17

22

Mar‐0

6

Feb‐0

7

De

c‐0

7

No

v‐0

8

Oct‐0

9

Sep‐1

0

Au

g‐1

1

Jun‐1

2

May‐1

3

Ap

r‐1

4

Mar‐1

5


Continued....... Aviva Investor

Security Net Asset %

Gulf Oil Lubricants India Ltd. 0.17 Rural Electrification Corporation 7.14

Cairn India Ltd. 0.16 Tata Sons Ltd. 2.22

Bharat Petroleum Corporation Ltd. 0.15 NABARD 2.13

Oil India Ltd. 0.11 IndusInd Bank Ltd. 2.12

Indian Oil Corporation Ltd. 0.04 HDFC Ltd. 1.88

Pharmaceuticals & Biotechnology 3.04 Food Corporation of India 1.72

Sun Pharmaceuticals Industries Ltd. 1.00 Power Finance Corporation Ltd. 1.59 Dr Reddys Laboratories Ltd. 0.52 Bajaj Finance Ltd. 1.08

Lupin Ltd. 0.49 NTPC Ltd. 0.03

Cadila Healthcare Ltd. 0.34 Total 35.05

Cipla Ltd. 0.30






NTPC Ltd. 0.30



Realty 0.11 * Money Market includes Liquid Schemes of Mutual Funds & Bank Deposit



Infosys Ltd. 2.82





Jindal Steel and Power Ltd. 0.06




Telecommunications Equipment Manufacturer 0.10

Bharti Infratel Ltd 0.10

Transportation, Supply Chain and Logistics Servic 0.14

Container Corporation Of India Ltd. 0.14

March 2015

PENSION BALANCED FUNDGroup Superannuation, Gratuity and Leave Encashment

AAA

AAAAA+

AAA

AAA

AAA

AAA

AA+

AAA


ULGF00210/03/2006GROUPBALAN122

EQUITIES CORPORATE BONDS







Total 35.65

8.40% GOI 2024 7.73

9.23% GOI 2043 3.66

8.83% GOI 2023 3.38

9.20% GOI 2030 2.07

8.83% GOI 2041 1.76

8.35% GOI 2022 1.36

8.27% GOI 2020 1.35

8.97% GOI 2030 0.87

8.60% GOI 2028 0.85

8.28% GOI 2027 0.82

Total 23.85



Sovereign

Sovereign

Sovereign

Sovereign

Sovereign

Sovereign

AAA

Sovereign

Sovereign

Sovereign

Sovereign

AAA


CORPORATE BONDS

Aviva Investor






Ceat Ltd. 0.30

Banks 10.90

HDFC Bank Ltd. 3.02


Axis Bank Ltd. 1.73


Yes Bank Ltd. 0.56

EQUITIES 56.98 Bank of Baroda 0.46

GOVERNMENT 13.82 Federal Bank Ltd. 0.43

CORPORATE B 20.46 Oriental Bank of Commerce Ltd. 0.33

MONEY MARKE 8.74 Punjab National Bank 0.26

Chemicals 1.03



IRB Infrastructure Developers Ltd. 0.41


GMR Infrastructure Ltd. 0.39

JaiPrakash Associates Ltd. 0.25As on March 31, 2015 NCC Ltd. 0.06

Absolute Return

Unity Infraprojects Ltd. 0.06


Ultratech Cement Ltd. 1.20

Portfolio return 11.0% 12.0% 17.2% 25.9% ACC Ltd. 0.16

Benchmark** 9.6% 9.7% 13.8% 21.3% Ambuja Cements Ltd. 0.14

Consumer Durables and Electronics 0.25

Note: Past returns are not indicative of future performance. Titan Company Ltd. 0.25

Electronics & Electrical Equipments 0.21

Bharat Electronics Ltd. 0.21



CAGR Return

March 2015

PENSION GROWTH FUNDPortfolio as on March 31, 2015

To provide high capital growth by investing higher element of assets inthe equity market.


Last 3 years

Last 1 year



Asset Mix

Portfolio Return

Security Net Asset % RatingULGF00410/03/2006GROUPGROWT122

The risk profile for this fund is High


EQUITIES



FI 0.41

IDFC Ltd. 0.41

FMCG 4.06

ITC Ltd. 3.25


HFC 3.62

HDFC Ltd. 3.45


Media and Entertainment 0.63 Jagran Prakashan Ltd. 0.34






MOIL Ltd. 0.01







Hindustan Petroleum Corporation Ltd. 0.52

Gulf Oil Lubricants India Ltd. 0.47

Oil India Ltd. 0.26

Cairn India Ltd. 0.07



7

12

17

22

27

Mar‐0

6

Feb‐0

7

De

c‐0

7

No

v‐0

8

Oct‐0

9

Sep‐1

0

Au

g‐1

1

Jun‐1

2

May‐1

3

Ap

r‐1

4

Mar‐1

5


Aviva Investor

Bharat Petroleum Corporation Ltd. 0.03

Pharmaceuticals & Biotechnology 4.75 Sun Pharmaceuticals Industries Ltd. 1.23

Lupin Ltd. 1.03

Dr Reddys Laboratories Ltd. 0.85

Cipla Ltd. 0.65


Cadila Healthcare Ltd. 0.29




BGR Energy Systems Ltd. 0.22

Bharat Heavy Electricals Ltd. 0.14


NTPC Ltd. 0.30

NHPC 0.02



Realty 0.33



Infosys Ltd. 3.99











Total 56.98

March 2015

PENSION GROWTH FUNDGroup Superannuation, Gratuity and Leave Encashment


ULGF00410/03/2006GROUPGROWT122

EQUITIES


9.23% GOI 2043 3.08

8.83% GOI 2023 2.13

8.28% GOI 2032 1.88

8.83% GOI 2041 1.85

8.79% Gujarat SDL 2022 1.73

8.28% GOI 2027 0.90

8.97% GOI 2030 0.88

9.20% GOI 2030 0.75

8.33% GOI 2026 0.62

Total 13.82





NTPC Ltd. 0.03

Total 20.46


Sovereign

Sovereign

Sovereign

Sovereign

Sovereign

Sovereign

AAA

AAA

AAA

Sovereign

Sovereign

Sovereign

AAA

AAA


CORPORATE BONDS



Aviva Investor

GOI 1.68

Canara Bank Ltd. 9.04


Bank of Baroda 8.07

Corporation Bank 8.07

Andhra Bank 8.05

Indian Bank 8.05Total 53.53

MONEY MARKE 62.51


As on March 31, 2015

Absolute Return



March 2015

PENSION CASH FUNDPortfolio as on March 31, 2015

To safeguard the nominal value of the investments.

A1+

A1+

A1+

**Benchmark return is CRISIL Liquid Fund Index Return


CAGR Return

A1+


Last 3 years

Last 1 year

A1+

A1+Asset Allocation Pattern

Portfolio Return

Security Net Asset % RatingULGF00531/03/2006GROUPCASHF122




CERTIFICATE OF DEPOSITS

CASH AND EQUIVALENTS* 46.47%


Asset Mix


810121416182022

Mar‐0

6

Feb‐0

7

Jan‐0

8

De

c‐0

8

Oct‐0

9

Sep‐1

0

Au

g‐1

1

Jul‐1

2

May‐1

3

Ap

r‐1

4

Mar‐1

5


Aviva Investor

Andhra Bank 46.67


Axis Bank Ltd. 15.05

Canara Bank Ltd. 4.85

COMMERCIAL PAPERS

Reliance Capital Ltd. 4.95

Total 96.50

MONEY MARKE 100



Absolute Return




CAGR Return

March 2015

PENSION SHORTTERMDEBT Portfolio as on March 31, 2015

The investment objective of this fund is to provide security to investmentswith progressive returns.

A1+

A1+

A1+

A1+

A1+


Last 3 years

Last 1 year

**Benchmark for this fund is CRIISL Liquid Fund Index


Portfolio Return

Security Net Asset % RatingULGF00613/02/2009GROUPSDEBT122



CERTIFICATE OF DEPOSITS

CASH AND EQUIVALENTS* 3.50%


Asset Mix

NAV MovementInception Date - February 12,2009

8

10

12

14

16

18

Feb‐0

9

Sep‐0

9

May‐1

0

De

c‐1

0

Jul‐1

1

Feb‐1

2

Oct‐1

2

May‐1

3

De

c‐1

3

Au

g‐1

4

Mar‐1

5


Aviva Investor

8.28% GOI 2027 19.27

Total 19.27


GOVERNMENT 19.27

MONEY MARKE 80.73


Absolute Return

Portfolio return 9.3% 9.5% 10.8%Benchmark 8.8% 8.9% 9.0%



CAGR Return

March 2015

PENSION INCOME FUNDPortfolio as on March 31, 2015

To provide returns by investing in safe funds with progressive returns.


Last 1 year


Portfolio Return

Security Net Asset % RatingULGF00728/03/2011GROUPINCOM122

The risk profile for this fund is Medium

• Government Securities 0%‐30%• Corporate Bonds 0%‐100% • Other Approved Fixed Income Instruments 0%‐100% • Money Market 0%‐40%




Asset Mix


8

10

12

14

16

Mar‐1

1

Au

g‐1

1

Jan‐1

2

Jun‐1

2

Oct‐1

2

Mar‐1

3

Au

g‐1

3

Jan‐1

4

May‐1

4

Oct‐1

4

Mar‐1

5


Aviva Life Insurance Company India LimitedAviva Tower, Sector Road, Opp. Golf Course, Sector 43, Gurgaon, Haryana -122 003 Tel: +91(0) 124 270 9000-01, Fax: +91(0) 124 257 1214

Registered O ce: 2nd Floor, Prakashdeep Building, 7 Tolstoy Marg, New Delhi - 110 001

www.avivaindia.com Life Insurance

4 IRDAI Registration Number: 122

Disclaimer

A Joint Venture between Dabur Invest Corpand

Aviva International Holding Limited

CIN: [email protected]

Disclaimer CAGR- Compounded Annualised Growth Rate

Benchmark Indices Provided by CRISIL

The composite indices are computed based on notional Asset allocation (weights for sub indices) provided by Aviva from time to time. Such weights for the sub indices would impact the return of the composite index. CRISIL does not take responsibility of variations in the returns due to such changes in weights for sub indices. CRISIL Indices are the sole property of CRISIL Limited (CRISIL) indices shall not be copied, retransmitted or redistributed in any manner for any commercial use. CRISIL has taken due care and caution in computation of indices, based on data obtained for any errors or for the results obtained from the

0 1 2 4 - 2 7 0 9 0 4 61 8 0 0 - 1 0 3 - 7 7 6 6

Aviva Trade logo displayed above belongs to Aviva Brands Limited and is used by Aviva Life Insurance Company India Limited under License.

Advt. No. May 05/15

BEWARE OF SPURIOUS PHONE CALLS AND FICTITIOUS or FRAUDULENT OFFERS. IRDAI clarifies to public that

premiums. IRDAI does not announce any bonus. Public receiving such phone calls are requested to lodge a police complaint along with details of phone call, number.

read sales brochures carefully before concluding a sale. Tax benefits are as per applicable tax laws which are

subject to risk factors. The premium paid in unit-linked life insurance policies are subject to investment risks associated with capital markets and the NAVs of the units may go up or down based on the performance of the fund and factors influencing the capital market. The insured is responsible for his/her decisions. Aviva Life Insurance Company India Limited is only the name of the Insurance Company and the various funds offered under this contract are the names of the funds and do not in any way indicate the quality of the contract, its future prospects or returns. Please know the associated risks and the applicable charges, from your Sales

funds are subject to certain charges related to the fund or to the premium paid and there is a possibility of increase in charges. The various funds offered under this contract are the names of the funds and do not in any way indicate the quality of these plans, their future prospects and returns. Unit-linked funds are subject to

Past performance of the investment funds do not indicate the future performance of the same. Past performance are not indicative of future returns. Investors in the scheme are not being offered any guaranteed/ assured results.”

in ulip products the investment risk in the investment ... · insurance products completely or...

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